Preheat the oven to 375 F. Line a 12-cup muffin pan with liners. Spray liners with cooking spray
In a large bowl, mix together the bananas, pumpkin, eggs, sugar, and maple syrup.
In a medium bowl, mix together the flour, flaxseed, wheat germ, baking powder, baking soda, salt cardamom, nutmeg, cloves, and cinnamon.
Gently stir the wet ingredients into the dry. Do not over mix.
Stir in the chocolate chunks, if using.
Use a 1/3 cup measure to fill the muffin liners (you’ll have a bit of batter left over). Sprinkle the pumpkin seeds evenly over muffins.
Bake for 20 minutes, until the tops feel dry when touched. Transfer the muffins to a baking rack to cool.
Makes 12 muffins