Three Bean Dip

Spread the refried beans in a layer in the bottom of a 9 inch square baking dish. In a small bowl stir together the taco seasoning mix and cream cheese. Spread the mixture over the refried beans. In a separate bowl toss together the tomatoes green onions cubanella pepper black beans and navy beans. Spread over the layer of cream cheese. Cover and refrigerate for at least 4 hours before serving to blend the flavors.