Preheat oven to 350 degrees (325 degrees for glass dish). In 13 x 9 inch baking pan, melt margarine in oven. Sprinkle crumbs evenly over margarine; pour sweetened condensed milk evenly over crumbs.
Top with chips; press down firmly. Bake 25 to 30 minutes or until lightly browned.
Cool. Cut into bars.