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If you book Rail&Fly, you always pick up your luggage at the terminals, where you arrive. Only if you have booked a connection with ExpressRail (https://www.lufthansa.com/de/en/Lufthansa-Express-Rail), you pick up your luggage at the ExpressRail Terminal at the train station. ExpressRail can be identified by having a specific train connection with a Lufthansa code (like LH36XX). Rail&Fly is a universal train ticket which is not tied to a specific train connection.