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Actually, if you wanted that triple class of Pal/Monk/Sorc, you could choose from three races without penalty: Wild Elf (fave class sorc), Human, or Half-Elf since the last two have "favored class highest".
I think "paladin bonus" refers to spells. They can start casting a limited number at 4th level.
If you were really going to go with this combo, you might want to bring up Paladin to 2nd, to get immunity to all sorts of fear effects. And you wouldn't be in the exp. penalty zone, since the two low classes are within one of each other.
Nightowl2
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