<frameset> instead of <body>.
<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE html PUBLIC "-//W3C//DTD/XHTML 1.0 Frameset//EN"
"http://www.w3.org/TR/xhtml1/DTD/xhtml1-frameset.dtd">
<html xmlns="http://www.w3.org/1999/xhtml" xml:lang="en" lang="en">
<head>
<title>Frame Example</title>
</head>
<frameset cols="20%,60%,20%">
<frame src="url1.html" id="frame1" name="frame1" />
<frame src="url2.html" id="frame2" name="frame2" />
<frame src="url3.html" id="frame3" name="frame3" />
<noframes>
<p>Frames not implemented or disabled.</p>
</noframes>
</frameset>
</html>