Steps of preparation
In a bowl, put the condensed milk and water together. Beat in instant pudding mix. Refrigerate for 5 minutes.
In another bowl, whip cream until stiff peaks form. Fold whipped cream into pudding mixture.
Dip banana slices in lemon juice and shake off excess.
In a large serving bowl, place 1 cup of the pudding mixture. Top with 1/3 of the cookies, 1/3 of the bananas, and 1/3 of the remaining pudding. Repeat these steps twice. Refrigerate until ready to serve

Steps of preparation
In a bowl, put the condensed milk and water together. Beat in instant pudding mix. Refrigerate for 5 minutes.
In another bowl, whip cream until stiff peaks form. Fold whipped cream into pudding mixture.
Dip banana slices in lemon juice and shake off excess.
In a large serving bowl, place 1 cup of the pudding mixture. Top with 1/3 of the cookies, 1/3 of the bananas, and 1/3 of the remaining pudding. Repeat these steps twice. Refrigerate until ready to serve