Stevie, Carole and Lisa are best friends and horse-crazy members of the Saddle Club. The three are looking forward to the Combined Training Event at Pine Hollow stables where all riders compete in dressage, cross-country and show-jumping. It’s a horse lover’s dream! When snooty Veronica blames her bad performance on her horse Garnet and storms out of the ring, Carole follows, fearing Veronica’s threat to give away her horse. But horse and rider have disappeared! Later, when Lisa finds $10,000 ransom note in the stall, the reality becomes all too clear: Veronica and Garnet have been kidnapped! Who would have thought that the Saddle Club would ever feel sorry for Veronica? The girls resolve to catch the horsenappers and soon find themselves in a daring escape that puts all their horse-riding skills to the test.

Stevie, Carole, and Lisa are best friends and horse-crazy members of The Saddle Club. The three are looking forward to the combined-training event at Pine Hollow Stables, when all riders will compete in dressage, cross-country, and stadium jumping. It's a horse lover's dream! When snooty Veronica blames her bad performance on her horse, Garnet, and storms out of the ring, Carole follows, fearing Veronica's threat to give away her horse. But horse and rider have disappeared. Later, when Lisa finds a $10,000 ransom note in the stall, the possibility becomes all too clear: Garnet has been horsenapped! Who would have thought that The Saddle Club would ever feel sorry for Veronica? The girls resolve to catch the horsenappers and soon find themselves in a daring escape that puts all their horse-riding skills to the test.

Christmas is coming and Max wants Horse Wise to get in the holiday spirit. He announces that they are going to have Secret Santas, but there's a catch: You can't give something; you have to do something. It sounds like fun, until they draw names. Lisa gets Max. Carole gets Lisa. And Stevie gets Veronica. Carole would love to do something for Lisa but, since they're always doing things for each other, what should she do to make this time special? As for Lisa, her visiting relatives aren't giving her room to breathe -- there's no time to do anything for Max. And Stevie would love to do something to Veronica -- but that wouldn't be in the holiday spirit. Why is doing the "right thing" so hard?

Carole Hanson and Stevie Lake have been best friends ever since they met at Pine Hollow Stables. So when Lisa Atwood joins their ridinggroup, the girls aren't sure she's got what it takes. Lisa may be the smartest student in the classroom, but she's got a lot to learn when it comes to horses. . . .

When one of Pine Hollow's students makes a terrible mistake, causing a tragic accident, Carole is done with riding forever. Unless Stevie and Lisa can remind her what friendship and the Saddle Club are all about.

Twelve-year-old Penny is deeply envious of the wealth and family lives of her two best friends, not realizing that they both think she is luckier than they are.