The court found that, in the interests of justice and to ensure all issues are fully determined, Faulu Microfinance Bank Limited should be enjoined as the 3rd Respondent. The court relied on Order 1 Rule 10(2) of the Civil Procedure Rules and relevant case law, holding that the presence of all necessary parties is essential for the complete adjudication of the dispute. The court noted that the proposed 3rd respondent's interests as financier and first loss payee under the insurance policy were sufficiently connected to the subject matter, and that its joinder would not unduly delay or prejudice the proceedings. The court did not make a determination on the merits of setting aside the arbitral award, but granted Faulu Microfinance Bank Limited liberty to seek further orders, including to challenge the award if so advised. Costs of the application were ordered to abide the outcome of the main cause.