The frame structure for the solution would be:

top level frame -- named t1.htm:

<html>
<frameset rows="33%,33%,34%">
  <frame src="t2.htm">
  <frame src="t3.htm">
  <frame src="t4.htm">
</frameset>
</html>

Click here to see the application run.
Once on the answer page, to see the source code for a frame, first right click in the frame, then click "View Source"