Preheat oven to 350 degrees.
Grease 13x9 inch pan. Set aside.
Combine flour and brown sugar in small mixing bowl. Cut in butter until mixture is crumbly.
Press into prepared baking pan. Bake 15-18 minutes or until crust is just beginning to brown.
While crust is baking, beat cream cheese, 1/2 c. sugar and vanilla in large bowl, until mixture is smooth. Add eggs, beat on low speed until just combined. Spread mixture over crust.
Toss apples, cinnamon, nutmeg and remaining sugar in a small bowl. Spoon apple mixture over cream cheese layer.
In a separate mixing bowl combine flour, brown sugar and oats. Cut in butter until mixture is crumbly. Sprinkle over apple layer.
Baked for 25-30 minutes or until filling is set. Remove from oven. Drizzle with caramel topping. Cool bars in pan for 1 hour. Refrigerate bars for at least two hours. Cut into bars and serve.