Wash strawberries, remove the green tuft and cut into cubes.
Wash well as apple, pear and kiwi.
Remove the core and peel, if you do not like, and reduce everything to cubes.
Also cut the banana and combine all the fruit together.
Season with sugar and a little lemon juice so as not to blacken the fruit. Mix well.
Splitting Freddi Swiss Roll White into 12 equal slices. Place on the bottom of a glass a slice of Freddi Swiss Roll White.
Pour over some fruit spoon.
Cover with another slice of bagel and other fruit spoonfuls so as to fill the glass to the brim.
Garnish with a big dollop of cream and chocolate shavings, and serve!!