In A Small Bowl, Beat The Cream Cheese, Garlic, Curry And Mustard Until Blended. Stir In Apple. Spread About 2 Tablespoons Over Each Tortilla. Layer With The Red Pepper, Onions And Ham. Roll Up Tightly And Wrap In Plastic Wrap. Refrigerate For At Least 2 Hours. Cut Into 1-In. Slices.