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Wallet confusion

Sorry...total noob here. I'm a veteran equities trader... just getting my feet wet with cryptos...

Anyway, so I have a Ledger Nano S for coins.
I'm considering options for an exchange, mainly to trade Ripple.

So how does the wallet thing work? I imagine when I sign up with an exchange I'll have to configure a wallet? And then accumulate Ripple in that wallet then transfer it to my Ledger Nano S? Is that the order of operations?

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