About annual and yearly plans! Looking for responses!

1st question- So, I've been thinking about getting ae again right? But does anyone know if the cancellation fee applies for your 2ND YEAR, like the annual plan? If that makes since bc, Id want  to pay 20$ for 3 months but not get charged for a fee from the "commitment " so far nobody knows the answer?

2nd question-  can I cancel without a fee during the 1st year if I already paid for the month,but decided not to continue the program and let adobe keep the money ?(20.99/month during the annual yearly commitment)