What kind of spider did I find in my garage?

It is predominantly a taupe colored spider with black bars around it's joints and undercarriage and black line up the legs. I can't quite figure the front end from the back, but it looks like it is carrying a black turtle shell with a tan circle around the larger portion of the body with tan lines going to the center. If this is the front end, then there are two large orange eyes. On the smaller end, it is dark taupe fading down to black with a black spot, then as it droops down the end, it has several tan dots over the black. It's legs are 3/4" long each and looks pretty large when opened. We are getting a lot of spiders, but this is a first, after we had an exterminator come do the outside and inside. I reside in Western Michigan off Hwy. 94 10 miles from Lake Mi. 5 yr. old homes with a field on either side of me and in front and a million crickets and frogs in this very sandy soil. Coloma, MI. What do I have?