In a deep bowl place the cottage cheese, milk and yogurt, powdered sugar, cream, lemon juice and rum essence. Beat with a mixer for 5-6 minutes until a uniform mixture. Banana Peel, smash with a fork or Strain and then conveyed into the bowl, mix everything well. Melt the chocolate in a small saucepan with 3-4 tbsp milk. Banana decoration cut in rings around them and pour the chocolate. Cover with a piece of banana cream lining is a slice or two banana sprinkled with chocolate and once again covered with cream. Sprinkle with grated chocolate or ground walnuts. Before presenting cool in the refrigerator.