From my 3e books (not 3.5):
In the description of the lance it gives some information (PHB p101)
Lance, Heavy or Light: a lance deals double damage when used from the back of a charging mount. A heavy lance has reach. You can strike opponents 10 feet away with it, but you can't use it against an adjacent foes.
In Charge (PHB p124) this is also mentioned, which would indicate that the +2/-2 modifiers of a charge stand as well.
I see no mention of the mount getting an attack, but in the Monster Manual (p196) description of a Heavy Warhorse:
These animals are similar to heavy horses but are trained and bred for strength and aggression. A heavy warhorse can fight while carrying a rider, but the rider cannot also attack unless he or she succeeds at a Ride check (DC 10).
Hooves do 1d6+4, and a bite does 1d4+2. Charging allows for a single attack, so the horse should get one or the other. The hooves seems natural, as a trample attack. (Edit, I assumed warhorse, but would think the single attack on a charge would count for other type mounts; so Battlecat would get a claw, a claw, or a bite)
So, provided the rider can pass a DC 10 Ride check, both get an attack.