Cut bread into cubes. Sprinkle with garlic powder. Place in 13 1/2 x 8 1/2 greased casserole pan. Cover with cubed ham. Sprinkle cheese on top. Add milk, mustard, salt and pepper to eggs. Beat well.
Pour egg mixture over bread, meat, and cheese. Refrigerate overnight. Bake in 350 degree oven for one hour.
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This is one of my favorites! A+++!