Find Karg IceBear in Everfrost at his spawn point, 2141.38, -4865.46, -51.06. He wanders off from this spawn point, so he can be found elsewhere in Everfrost.
You say, 'hail Karg IceBear'
Karg IceBear says 'Hail, traveler! I am Karg of Clan IceBear, lone hunter of the Everfrost Peaks. Have you seen any polar bears about?
You say, 'I have seen polar bears about'
Karg IceBear says 'I hunt polar bears and furnish cloaks from their pelts. They keep you warm in this cold weather.
You say, 'will you furnish me a cloak from their pelts?'
Karg IceBear says 'Have you some polar bear pelts? You know I can furnish warm cloaks from them, and for you I will do it for the measly sum of 5 platinum pieces.
At this point, give Karg IceBear a Polar Bear Skin and 5PP:
Karg IceBear says 'Here is your polar bear cloak! It will serve you well and keep you warm in even the coldest conditions! Farewell, friend!
You gain experience!!
In return, Karg IceBear gives you a Polar Bear Cloak .