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Monthly payments under a 1 year plan seem to be the only subscription option. How can I subscribe and just pay once a year?
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Give Adobe Support a call - they'd be able to tell you if that's possible.
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I have had the same question in the past, Kevin, so I went ahead checked in with Adobe.
They said that FrameMaker is only available as outright purchase when you purchase the perpetual license and the subscription plan is only available as Annual plan (paid monthly). They do not have the prepaid plan for the year for the subscription.
~Barb