Always, always include a cover letter. If you're faxing your resume, include a cover sheet as well. First, most recruiters and HR professionals will assume your omission of a cover letter indicates you don't fully grasp basic job search and business etiquette. The same thing is true of fax cover sheets. Furthermore, you don't want anyone who walks by the fax machine to see your resume and cover letter.
Bad news travels fast via the office grapevine.
Be creative in the last paragraph as well. Here, you can make general statements about your reasons for leaving your current employer. Instead, cover this in this new third paragraph. Employers aren't that interested in exact figures for all your previous employers, but instead are looking for progressive salary increases as an indicator of job performance. Salary requirements should also be handled in this new third paragraph.