well all your frames have names which have been defined in your frameset like "DT" said -- you have to target the name of the frame you want your link opened in.
Usually leftfram, topframe, mainframe, bottomframe are the most common type of frame names.
Its kinda similar to anchors which is what you are referring to but in anchors your links are built <a href="#anchorname">go to my anchor</a> where in a frame you have a normal href but you assign a target value
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