Preheat oven to 325F degrees. Mix together all ingredients except chocolate chips. Line a cookie sheet with foil and grease. Spoon onto cookie sheet about 1 tablespoon per cluster.
Bake for 15 minutes until golden brown. Remove from oven and cool for 5 minutes. Then spread the bottom of the clusters with the melted chocolate. Let the chocolate harden, then turn clusters over and drizzle more chocolate over the top.