It's time to go through a test. All the pieces of the puzzle are coming together. Here is an example, follow the left hand column in order for the code and the right hand column for a brief description.
<html>
<head>
<title>Title of page</title>
</head>
<frameset rows="*, 95">
<frame src="vidgame.html" name="Large">
<frame src="menu.html" name="Navbar">
<noframes>
</noframes>
</frameset>
</html>
The basic structure of an HTML Frame
<html> Basic tag to start an HTML Document
<head> Head of the tag. Can be used to add JavaScript or CSS for example.
<title> Gives the page a name
</title> Ends the title
</head> Ender of the header tag
<frameset rows="*, 95"> It begins a frame and has it set at 95 pixels in rows.
<frame src="vidgame.html" name="Large"> It takes the top space and is the largest. The frame is named "large".
<frame src="menu.html" name="Navbar"> Takes the lower space position. The frame is named "Navbar".
<noframes> Pretty much thought of as like a <body> tag and has a page ready in case your browser doesn't read frames.
</noframes> Like the </body> tag, this is where it ends
</frameset> The frame has been completed.
</html> It ends a document

I also want you to know that there is a <iframe> tag. This tag create a "floating" frame on page. If it can't be seen, it won't be shown at all.

Attributes of <iframe> tag.
align Determines alignment of <iframe> on page
frameborder Shows or hides border around frame.
height Height of frame
hspace Horizontal space from frame to content
name Determines the name of a frame
scrolling Determines method of showing scrollbars. May have values:
auto - scrollbars shows is needed.
no - hide scrollbars.
yes scrollbars always shows.
src Path to file or url which will be loaded in frame.
vspace Vertical space from frame to content
width Width of frame

Here is what it could look like in hypothetical terms just look below.

Examples

<iframe src="http://www.tufat.com" width="100%"><iframe>


Simple example of iframe.

<iframe src="http://www.tufat.com" width="1" height="1" frameborder="0"></iframe>

This example shows how some web-developers make hidden frames on page. For what? If link on third-side's site insert into an iframe, it will lead to false increase of a visitors' quantity.

HTML Frames menu.