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Heat a skillet (or 2 skillets to go twice as fast) over medium heat (or medium-low if using stainless steel, that gets hot!).
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Place oats in a high speed blender and blend until it becomes a fine oat flour.
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Add all remaining ingredients in order, except chocolate chips.
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Blend together well. Mix in chocolate chips, using a spatula.
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Pour batter into skillet to form 5-inch pancakes. Cook 3-4 minutes on one side, then flip and finish cooking for 1-2 minutes.
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Plate and add toppings as desired.