1/2 oz of spiced rum
1/4 oz of creme de cacao (or chocolate liqueur)
1/2 oz of creme de bananes (or banana liqueur)
3 oz of half-and-half (or cream)
Pour the spiced rum, creme de cacao, creme de bananes and half-and-half into a cocktail shaker half-filled with ice cubes. Shake well, and strain into a chilled cocktail glass. Garnish with a dusting of nutmeg, and serve.