Document:

<PAGE>

                                  Exhibit 10.15
                                  -------------

                          WAIVER, CONSENT AND AGREEMENT
                          -----------------------------

          This WAIVER, CONSENT AND AGREEMENT (this "Agreement") is entered into
                                                    ---------
as of December 31, 2001, by and between FOOTHILL CAPITAL CORPORATION, a
California corporation ("Foothill"), on the one hand and MICROSTRATEGY
                         --------
INCORPORATED, a Delaware corporation ("Parent"), MICROSTRATEGY SERVICES
                                       ------
CORPORATION, a Delaware corporation ("Borrower"), Strategy.com Incorporated, a
                                      --------
Delaware corporation ("Strategy.com"), and Microstrategy Capital Corporation, a
                       ------------
Delaware corporation ("MCC"), on the other hand, with reference to the
                       ---
following:

     A.   Foothill, Parent, and Borrower heretofore have entered into that
          certain Amended and Restated Loan and Security Agreement, dated as of
          June 14, 2001, as amended by that certain Consent and Amendment Number
          One to Amended and Restated Loan and Security Agreement, entered into
          as of August 29, 2001 (as the same may be further amended, restated,
          supplemented, or otherwise modified from time to time, the "Loan
                                                                      ----
          Agreement"), pursuant to which Foothill has made certain loans and
          ---------
          financial accommodations available to Borrower.

     B.   Strategy.com and MCC are Subsidiaries of Parent and Guarantors to the
          Loan Agreement.

     C.   Parent, Borrower, Strategy.com and MCC have made the following
          requests of Foothill (the "Requested Transactions"):
                                     ----------------------

          (i)   That Parent be permitted to transfer the assets described on
                Schedule A (the "MCC Transferred Assets") to MCC;
                ----------       ----------------------

          (ii)  That MCC be permitted to sell the MCC Transferred Assets and
                distribute the proceeds therefrom to Parent;

          (iii) That MCC be permitted to change its name to Microstrategy
                Administration Corporation; and

          (iv)  That Strategy.com be permitted to transfer the assets described
                on Schedule B (the "Strategy.com Transferred Assets") to Parent.
                   ----------       -------------------------------

     D.   Subject to the terms and conditions contained herein, Foothill is
          willing to waive the provisions of the Loan Agreement and applicable
          Loan Documents for which the above Requested Transactions would
          prohibit or violate so long as the Requested Transactions are
          consummated in accordance with the terms and conditions set forth
          herein.

<PAGE>

     E.   Terms used herein without definitions shall have the meanings ascribed
          to them in the Loan Agreement.

          NOW, THEREFORE, in consideration of the foregoing and the mutual
covenants herein contained, and for other good and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the parties hereby
agree as follows:

     1. Agreement.
        ---------

          (a)   Foothill hereby waives the provisions of the Loan Agreement and
     applicable Loan Documents that would prohibit or that would be violated by
     the transfer of the MCC Transferred Assets from Parent to MCC, on the
     following conditions:

          1.  the MCC Transferred Assets are transferred directly to MCC and are
              not transferred to a location other than a location pursuant to
              which Lender and the applicable landlord have entered into a
              Collateral Access Agreement applicable to the MCC Transferred
              Assets;

          2.  to the extent requested, MCC will consent to the filing of UCC
              financing statements requested by Foothill relating to the MCC
              Transferred Assets; and

          3.  any further sales or other dispositions of the MCC Transferred
              Assets by MCC are done in accordance with the provisions of the
              Loan Agreement as further modified by paragraph (b) below.

          (b)   Foothill hereby waives the provisions of the Loan Agreement and
     applicable Loan Documents that would prohibit MCC from or would be violated
     by MCC selling or otherwise disposing the MCC Transferred Assets, on the
     following conditions:

          1.  the MCC Transferred Assets are not further sold or transferred to
              an Affiliate of Parent without the express written consent of
              Foothill;

          2.  all further sales or other dispositions of the MCC Transferred
              Assets (including a transfer to or for the benefit of a company
              leasing goods to any Borrower or any Guarantor in exchange for
              title to goods leased to such Borrower or Guarantor) are conducted
              on an arm's length basis; and

          3.  100% of the cash proceeds (less reasonable and customary selling
              expenses) from the sales of the MCC Transferred Assets are
              deposited directly to an account which is subject to a Control
              Agreement.

          In connection with the sale or other disposition of all or any
portion of the MCC Transferred Assets in accordance with this clause (b),
Foothill shall promptly release any and all security interests in or liens on
such MCC Transferred Assets so sold or disposed of, and shall, upon request of
MCC or any such buyer (at Borrower's expense), provide MCC and such buyer with
such documentation as they may reasonably request to reflect and confirm the
release and termination of Foothill's security interests in and liens on such
MCC Transferred Assets.

                                        2

<PAGE>

          (c)   Foothill hereby waives the provisions of the Loan Agreement and
     applicable Loan Documents that would prohibit MCC from or would be violated
     by MCC changing its name to Microstrategy Administration Corporation
     (including any provisions requiring prior notice of such change in name).
     MCC hereby consents to the filing of UCC financing statements requested by
     Foothill relating to such name change and agrees to deliver to Foothill a
     written notice attaching a copy of the certificate of amendment relating to
     such name change within 2 Business Days of the filing thereof; and

          (d)   Foothill hereby waives the provisions of the Loan Agreement and
     applicable Loan Documents that would prohibit or that would be violated by
     the transfer of the Strategy.com Transferred Assets from Strategy.com to
     Parent, on the following conditions:

          1.  the Strategy.com Transferred Assets are transferred directly to
              Parent and are not transferred to a location other than a location
              pursuant to which Lender and the applicable landlord have entered
              into a Collateral Access Agreement applicable to the Strategy.com
              Transferred Assets;

          2.  all future transfers, sales or other dispositions of the
              Strategy.com Transferred Assets, following the initial transfer to
              Parent, are done in accordance with the terms and conditions of
              the Loan Agreement; and

          3.  to the extent requested, Parent will consent to the filing of UCC
              financing statements requested by Foothill relating to the
              Strategy.com Transferred Assets.

     2. Conditions Precedent to Agreement. The satisfaction of each of the
        ---------------------------------
following, unless waived or deferred by Foothill in its sole discretion, shall
constitute conditions precedent to the effectiveness of this Agreement and each
and every provision hereof:

          (a)   Foothill shall have received this Agreement, duly executed by
     the parties hereto, and the same shall be in full force and effect;

          (b)   Foothill shall have received (1) a fully executed Amendment
     Number One to Trademark Security Agreement and (2) additional fully
     executed Patent Security Agreements in form and substance satisfactory to
     Foothill;

          (c)   No Default or Event of Default shall have occurred and be
     continuing on the date hereof, or shall result from the consummation of the
     transactions contemplated herein;

          (d)   Each of the representations and warranties contained in the Loan
     Agreement shall be true and correct in all respects on and as of the
     effectiveness hereof (as modified by the revised Exhibits and Schedules
     attached hereto), as though made on and as of such date except for such
     representations or warranties that are made expressly as of an earlier
     date;

                                        3

<PAGE>

          (e)   No injunction, writ, restraining order, or other order of any
     nature prohibiting, directly or indirectly, the consummation of the
     transactions contemplated herein shall have been issued and remain in force
     by any governmental authority against any party hereto; and

          (f)   Foothill shall have received all expenses and costs incurred by
     Foothill in entering into this Agreement, including attorney's fees.

     3. Representations and Warranties. Borrower, Strategy.com, MCC and Parent
        ------------------------------
each hereby represents and warrants to Foothill that:

          (a)   the execution, delivery, and performance of this Agreement are
     within its corporate powers, has been duly authorized by all necessary
     corporate action, and are not in contravention of any law, rule, or
     regulation, or any order, judgment, decree, writ, injunction, or award of
     any arbitrator, court, or governmental authority, or of the terms of its
     charter or bylaws, or of any contract or undertaking to which it is a party
     or by which any of its properties may be bound or affected;

          (b)   this Agreement constitutes a legal, valid, and binding
     obligation, enforceable against it in accordance with its terms;

          (c)   this Agreement has been duly executed and delivered by each such
     party; and

          (d)   the MCC Transferred Assets are not currently being used in the
     operation of Parent's business and the Strategy.com Transferred Assets are
     not currently being used in the operation of Strategy.com's business.

     4. Miscellaneous.
        -------------

          (a)   Counterparts; Telefacsimile Execution; Effectiveness. This
                ----------------------------------------------------
     Agreement may be executed in any number of counterparts, each of which,
     when so executed and delivered, shall be deemed an original. All of such
     counterparts shall constitute but one and the same instrument. Delivery of
     an executed counterpart of this Agreement by telefacsimile shall be equally
     effective as delivery of an original executed counterpart of this
     Agreement. Any party delivering an executed counterpart of this Agreement
     by telefacsimile also shall deliver a manually executed counterpart of this
     Agreement but the failure to deliver a manually executed counterpart shall
     not affect the validity, enforceability, and binding effect of this
     Agreement.

          (b)   Choice of Law and Venue; Jury Trial Waiver. This Agreement shall
                ------------------------------------------
     be governed by and construed in accordance with the laws of the State of
     California. The parties hereto agree that the provisions of Section 13 of
     the Loan Agreement are hereby incorporated herein by this reference mutatis
     mutandis.

          (c)   Limited Agreement. The waivers, consents, and modifications
                -----------------
     herein are limited to the specifics hereof, shall not apply with respect to
     any facts or occurrences other than those on which the same are based,
     shall not excuse future non-compliance

                                        4

<PAGE>

     with the Loan Agreement, and except as expressly set forth herein, shall
     not operate as a waiver or an amendment of any right, power or remedy of
     Foothill, nor as a consent to any further or other matter, under the Loan
     Agreement.

          (d)   Loan Document. This Agreement shall be considered a Loan
                -------------
     Document for all purposes under the Loan Agreement, including Section 8.2
     thereof.

                            [SIGNATURE PAGE FOLLOWS]

                                        5

<PAGE>

          IN WITNESS WHEREOF, the parties hereto have caused this Agreement to
be duly executed as of the date first written above.

                                        MICROSTRATEGY INCORPORATED,
                                        a Delaware corporation

                                        By:    /s/ ERIC F. BROWN
                                               ------------------------------
                                        Title: President and Chief Financial
                                               Officer

                                        MICROSTRATEGY SERVICES CORPORATION,
                                        a Delaware corporation

                                        By:    /s/ ERIC F. BROWN
                                               ------------------------------
                                        Title: Vice President and Treasurer

                                        STRATEGY.COM INCORPORATED,
                                        a Delaware corporation

                                        By:    /s/ ERIC F. BROWN
                                               ------------------------------
                                        Title: Chief Financial Officer

                                        MICROSTRATEGY CAPITAL CORPORATION,
                                        a Delaware corporation

                                        By:    /s/ ERIC F. BROWN
                                               ------------------------------
                                        Title: Treasurer

                                        FOOTHILL CAPITAL CORPORATION,
                                        a California corporation

                                        By:    /s/ GREG GENTRY
                                               ------------------------------
                                        Title: Vice President

                                       6<PAGE>

                                  Exhibit 10.16
                                  -------------

                             AMENDMENT NUMBER TWO TO
                             -----------------------
                AMENDED AND RESTATED LOAN AND SECURITY AGREEMENT
                ------------------------------------------------

                This AMENDMENT NUMBER TWO TO AMENDED AND RESTATED LOAN AND
     SECURITY AGREEMENT (this "Amendment") is entered into as of February 28,
                               ---------
     2002, by and between FOOTHILL CAPITAL CORPORATION, a California corporation
     ("Foothill"), on the one hand, and MICROSTRATEGY INCORPORATED, a Delaware
       --------
     corporation ("Parent"), and MICROSTRATEGY SERVICES CORPORATION, a Delaware
                   ------
     corporation ("Borrower"), on the other hand, with reference to the
                   --------
     following facts:

     A.   Foothill, Parent, and Borrower heretofore have entered into that
          certain Amended and Restated Loan and Security Agreement, dated as of
          June 14, 2001, as amended by that certain Consent and Amendment Number
          One to Amended and Restated Loan and Security Agreement, entered into
          as of August 29, 2001 (as the same may be further amended, restated,
          supplemented, or otherwise modified from time to time, the
          "Agreement"), pursuant to which Foothill has made certain loans and
           ---------
          financial accommodations available to Borrower;

     B.   Foothill, Parent and Borrower desire to amend the Agreement, as set
          forth in this Amendment;

     C.   Foothill, Parent and Borrower are willing to so amend the Agreement in
          accordance with the terms and conditions hereof; and

     D.   Unless the context requires otherwise, all capitalized terms used
          herein and not defined herein shall have the meanings ascribed to them
          in the Agreement, as amended hereby.

                NOW, THEREFORE, in consideration of the above recitals and the
     mutual promises contained herein, Foothill, Borrower, and Parent hereby
     agree as follows:

1.   Amendments to the Agreement.
     ---------------------------

     a.   Section 2.4(b)(i) of the Agreement is hereby amended by deleting the
phrase "(J) eighth" and inserting the phrase "(K) ninth" in lieu thereof and
then by adding the following clause immediately following clause (I) of Section
2.4(b)(i):

                "(J) eighth, in respect of Overadvances not otherwise applied
                     ------
          pursuant to clauses (A) through (I) above, to be held by Lender in
          accordance with the provisions of Section 2.5(A) of this Agreement,
          and".

<PAGE>

     b.   The following Section 2.5(A) is hereby added to the Agreement
immediately following Section 2.5 of the Agreement:

                "2.5(A) Overadvances held by Lender. In the event that Lender
                        ---------------------------
          receives any payment on account of Overadvances pursuant to clause (J)
          of Section 2.4(b)(i), Lender shall hold such amounts in a non-interest
          bearing account until the earlier of:

                (x) receipt by Lender of a certificate executed by Borrower
          (which certificate Borrower may submit to Lender for purposes of this
          Section at any time) certifying that the amount of Overadvance as
          determined pursuant to Section 2.5 has been reduced to an amount which
          is less than the amount then held by Lender in such account, in which
          case such difference shall be transferred by Lender to Borrower to the
          Designated Account on the first Business Day following receipt of such
          certificate; provided that, if such certificate is received by Lender
                       --------
          on or before 10:00 a.m., Eastern Standard Time, on a Business Day,
          such transfer from Lender to Borrower shall be made on the same
          Business Day; or

                (y) application by Lender of any or all of such amounts pursuant
          to clauses (A) through (I) of Section 2.4(b)(i)."

     c.   Section 6.18 of the Agreement is hereby amended by deleting the phrase
          ------------
"March 31, 2002", and inserting the phrase "June 30, 2002" in lieu thereof.

2.   Representations and Warranties. Each of Borrower and Parent hereby
     ------------------------------
represents and warrants to Foothill that:

     a.   the execution, delivery, and performance of this Amendment and of the
Agreement, as amended by this Amendment, are within its corporate powers, have
been duly authorized by all necessary corporate action, and are not in
contravention of any law, rule, or regulation, or any order, judgment, decree,
writ, injunction, or award of any arbitrator, court, or governmental authority,
or of the terms of its charter or bylaws, or of any contract or undertaking to
which it is a party or by which any of its properties may be bound or affected,

     b.   this Amendment and the Agreement, as amended by this Amendment,
constitute a legal, valid, and binding obligation, enforceable against such
party in accordance with their terms, and

     c.   this Amendment has been duly executed and delivered by such party.

3.   Conditions Precedent to Consent and Amendment. The satisfaction of each of
     ---------------------------------------------
     the following shall constitute conditions precedent to the effectiveness of
     this Amendment:

     a.   Foothill shall have received the reaffirmation and consent attached
hereto as Exhibit A, duly executed and delivered by an authorized officer of
          ---------
each Guarantor;

                                       2

<PAGE>

     b.   The representations and warranties contained in this Amendment and the
Agreement as amended by this Amendment (as qualified by the Exhibits and
Schedules attached hereto) shall be true and correct in all respects on and as
of the date hereof, as though made on such date (except to the extent that such
representations and warranties relate solely to an earlier date);

     c.   No Event of Default or event which with the giving of notice or
passage of time would constitute an Event of Default shall have occurred and be
continuing on the date hereof, nor shall result from the consummation of the
transactions contemplated herein;

     d.   No injunction, writ, restraining order, or other order of any nature
prohibiting, directly or indirectly, the consummation of the transactions
contemplated herein shall have been issued and remain in force by any
governmental authority against Borrower, Parent or Foothill; and

     e.   All other documents and legal matters in connection with the
transactions contemplated by this Amendment shall have been delivered or
executed or recorded and shall be in form and substance satisfactory to Foothill
and its counsel.

4.   Miscellaneous.
     --------------

     a.   Upon the effectiveness of this Amendment, each reference in the
Agreement to "this Agreement", "hereunder", "herein", "hereof" or words of like
import referring to the Agreement shall mean and refer to the Agreement as
amended by this Amendment.

     b.   Upon the effectiveness of this Amendment, each reference in the Loan
Documents to the "Loan Agreement", "thereunder", "therein", "thereof" or words
of like import referring to the Agreement shall mean and refer to the Agreement
as amended by this Amendment.

     c.   This Amendment shall be governed by and construed in accordance with
the laws of the State of California. The parties hereto agree that the
provisions of Section 13 of the Agreement are hereby incorporated herein by this
reference mutatis mutandis.

     d.   This Amendment may be executed in any number of counterparts and by
different parties on separate counterparts, each of which, when executed and
delivered, shall be deemed to be an original, and all of which, when taken
together, shall constitute but one and the same Amendment. Delivery of an
executed counterpart of this Amendment by telefacsimile shall be equally as
effective as delivery of a manually executed counterpart of this Amendment. Any
party delivering an executed counterpart of this Amendment by telefacsimile also
shall deliver a manually executed counterpart of this Amendment but the failure
to deliver a manually executed counterpart shall not affect the validity,
enforceability, and binding effect of this Amendment.

                                       3

<PAGE>

                  IN WITNESS WHEREOF, the parties hereto have caused this
Amendment to be duly executed and delivered as of the date first written above.

                                 MICROSTRATEGY INCORPORATED,
                                 a Delaware corporation

                                 By:       /s/ ERIC F. BROWN
                                          -------------------
                                 Title:   President and Chief Financial Officer

                                 MICROSTRATEGY SERVICES CORPORATION,
                                 a Delaware corporation

                                 By:       /s/ ERIC F. BROWN
                                          -------------------
                                 Title:   Vice President and Treasurer

                                 FOOTHILL CAPITAL CORPORATION,
                                 a California corporation

                                 By:       /s/ GREG GENTRY
                                          -----------------
                                 Title:   Vice President

<PAGE>

                                    Exhibit A

                            REAFFIRMATION AND CONSENT
                            -------------------------

        All capitalized terms used herein but not otherwise defined herein shall
have the meanings ascribed to them in that certain Amendment Number Two to
Amended and Restated Loan and Security Agreement, dated as of February 28, 2002
(the "Amendment"). The undersigned hereby (a) represents and warrants to
Foothill that the execution, delivery, and performance of this Reaffirmation and
Consent are within its corporate powers, have been duly authorized by all
necessary corporate action, and are not in contravention of any law, rule, or
regulation, or any order, judgment, decree, writ, injunction, or award of any
arbitrator, court, or governmental authority, or of the terms of its charter or
bylaws, or of any contract or undertaking to which it is a party or by which any
of its properties may be bound or affected; (b) consents to the amendment of the
Agreement by the Amendment and to the transactions described therein; (c)
acknowledges and reaffirms its obligations owing to Foothill under the Guaranty
as amended and restated and any other Loan Documents to which it is a party; and
(d) agrees that each of the Guaranty and any other Loan Documents to which it is
a party is and shall remain in full force and effect. Although the undersigned
has been informed of the matters set forth herein and has acknowledged and
agreed to same, it understands that Foothill has no obligations to inform it of
such matters in the future or to seek its acknowledgement or agreement to future
amendments, and nothing herein shall create such a duty. Delivery of an executed
counterpart of this Reaffirmation and Consent by telefacsimile shall be equally
as effective as delivery of an original executed counterpart of this
Reaffirmation and Consent. Any party delivering an executed counterpart of this
Reaffirmation and Consent by telefacsimile also shall deliver an original
executed counterpart of this Reaffirmation and Consent but the failure to
deliver an original executed counterpart shall not affect the validity,
enforceability, and binding effect of this Reaffirmation and Consent. This
Reaffirmation and Consent shall be governed by the laws of the State of
California.

                            [signature page follows]

<PAGE>

                                     MICROSTRATEGY INCORPORATED,
                                     a Delaware corporation

                                     By:   /s/ ERIC F. BROWN
                                     -------------------------------------------
                                     Name: Eric F. Brown
                                     Title: President & CFO

                                     AVENTINE, INCORPORATED,
                                     a Delaware corporation

                                     By:   /s/ WILLIAM J. CHATTERTON
                                        ----------------------------------------
                                     Name: William J. Chatterton
                                     Title: Chairman & President

                                     MICROSTRATEGY ADMINISTRATION CORPORATION,
                                     a Delaware corporation

                                     By:   /s/ ERIC F. BROWN
                                        ----------------------------------------
                                        Name: Eric F. Brown
                                        Title: President & Treasurer

                                     STRATEGY.COM INCORPORATED,
                                     a Delaware corporation

                                     By:   /s/ ERIC F. BROWN
                                        ---------------------------------------
                                        Name: Eric F. Brown
                                        Title: Chief Financial Officer

       Signature Page to Reaffirmation and Consent dated February 28, 2002

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