Chocolate Swirled Pumpkin Bars

 cups Whole-wheat flour

 cups granulated sugar

 teaspoons baking powder

 teaspoons ground cinnamon

 teaspoon baking soda

 teaspoon salt

 teaspoon ground cloves

can pumpkin

 eggs, lightly beaten

 cup Mazola Corn Oil

 cup miniature semisweet chocolate pieces

package reduced fat or fat free cream cheese, softened

 cup granulated sugar

 egg

vanilla extract