1(with a noun indicating a place)Nikiwe is at home — UNikiwe usekhayaHe is at the river — UsemlanjeniI live at number 10, Disa Street — Ndihlala kwanamba 10, eDisa Street
2(with names of people)He's at the Ndlovus — UkwaNdlovu
3(time)nga-We'll go at three o'clock — Siza kuhamba ngentsimbi yesithathu
4ku-I am looking at her — Ndijonga kuye
The connecting '-s-' in 'usekhaya' in Sense 1 is a buffer that connects the concord and the locative 'e'.