The riding friends take a pack trip into the mountains. But one of the new girls, Amy, is downright reckless. Will one of her wild stunts threaten all their lives?

The Saddle Club girls travel to England where they participate in a competition and try to solve an ancient mystery about a duke who reportedly buried treasure under the stall of his spirited stallion that later died in a fire.

Carole, Stevie, and Lisa go to Moose Hill, a riding camp in the hills of Virginia, where their friendship and new boyfriends are put to the limits. A sudden emergency at camp tests everyone's courage and results in some unexpected friendships--adding up to an end-of-the-summer adventure the girls will never forget!

Story is interspersed with emails as well as journal and diary entries.