When a pretty girl walks by a long line of drunk men trying to get in the cabin in the woods haunted house and a drunk guy says, "is that a banana in your pocket?"
A variation of the original "banana bender", but with a chocolaty twist of Brookdale chocolate ice cream topping drizzled on top, hence the name chocolate coated banana bender. Unlike the original you do not need a massage chair for aid of insertion as you have the topping, acting as a lubricant.
Person 1: What did you do last night Tom?
Tom: I gave myself a sweet chocolate coated banana bender last night on the toilet.