Preheat oven to 375 degrees.
First Layer: Combine flour, butter and 1 cup pecans in a 9x13 pan. Bake at 375, for 20 minutes, let cool.
Second Layer: Beat cream cheese and sugar together. Add 10 oz. of Cool Whip, spread on first layer.
Third Layer: Mix 4.25 cups of milk with 3 pkgs of pudding. Beat 2 minutes, spread on second layer.
Top Layer: Top with remaining Cool Whip, sprinkle with the extra quarter cup nuts and chocolate chips.
Refrigerate over night.