While exploring the market in Lakeshard, there's a chance you will overhear two ursadins and an alurine talking about a bakery nearby, You will be able to find it by listening to them. Zack is a baker and the owner of Lakeshard's Bakery. He's from a village called Whellcum, a secluded place nobody heard of... It seems he woke up near Lakeshard one day and can't find his way back home, so he made the most of it and opened a shop in Lakeshard.