Track by lake with, say, sharp bend (3-3)
I believe the answer is:
dog-leg
'sharp bend' is the definition.
(I've seen this before)
'track by lake with say' is the wordplay.
'track' becomes 'dog' (synonyms).
'by' means one lot of letters go next to another.
'lake' becomes 'L' (geographical abbreviation).
'with' says to put letters next to each other.
'say' becomes 'eg' (both can mean for example).
'dog'+'l'+'eg'='DOG-LEG'
(Other definitions for dog-leg that I've seen before include "Crooked golf hole" , "Sharp bend" .)