Preheat oven to 305 F. In two bowls separate your pumpkin and banana. Then mix in the remaining ingredients, each serving in each bowl except the chocolate chips. Mix together. In a bread loaf, grease with coconut oil, then layer in your banana bread. Spread 1/4 cup the chocolate chips on top of the layer, then add pumpkin bread on top. Then spread the remaining chocolate chips on top. Bake 40-45 minutes until baked throughout.