Stevie is less than thrilled when she discovers that her older brother Chad wants to learn to ride. The members of the Saddle Club--Stevie Lake, Carole Hanson, and Lisa Atwood--are buzzing with excitement. For weeks, they've been planning Pine Hollow Stables's gymkhana, a day of games and races for young riders. Now the long-awaited day is at hand! As the day draws near, Carole introduces the other girls to her new friend, Kate Devine. Carole begins to teach Kate the basics of riding, only to find out that Kate is much more experienced than she's letting on--she's a championship rider! Kate might become the fourth member of the Saddle Club. . . if she doesn't give up riding first. Stevie's got a problem of her own when her older brother Chad suddenly decides to start riding at Pind Hollow, and their teacher, Max, places him on their team. But there's an even bigger surprise in store--he's got a crush on a member of the Saddle Club!