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Stevie, Carole and Lisa - founders of the Saddle Club - would do anything to help a friend in need. And now it looks as if they're going to get their chance when Stevie overhears a disturbing conversation between Max, Pine Hollow's owner, and a mysterious caller. Is their riding instructor really in serious financial trouble? Stevie can't be sure, but when Veronica, a snobby girl whose father is president of the local bank, starts looking even more smug than usual, the girls fear the worst. Determined to help bail out Max, the Saddle Club is soon drumming up new business and arranging a riding demonstration - starring themselves!