Step 1: In a large bowl combine refried beans, salsa, rice and 1 cup of cheddar cheese. Mix well.
Step 2: Spoon about 1/3 of a cup of the mixture into the center of a tortilla. Fold up both of the sides and grab the bottom end and roll up. Repeat until are burritos have been wrapped.
Step 3: Arrange burritos in a greased baking dish, and top each burrito with cheddar cheese. Cover and place into the oven. Bake at 375 degrees for 25 minutes. Serve with tomatoes, sour cream and lettuce if desired.