Actually, no.
TDM stands for Time Division Multiplexing: basically slicing a chunk of time into twenty-four timeslots (the frame actually contains some signaling and error-checking as well). Each slice of time represents one "channel. " As mentioned previously, each channel is a DS0 - "Dee-Ess-Zero" - equivelent to one phone line or 64K of data (possibly 56K, depending on the system). A basic T1 is strictly a Layer One system (essentially it is just "a wire" ... even though it is using some signaling to actually move the traffic).
When you apply an additional signal to the "wire" ( the T1), it will be in the form of HDLC, SDLC, Frame Relay, X.25 / X.21 ... whatever - THEY are the Layer Two Signaling (the "Frame" containing the layer three info (which contains the layer four info which contains the layer five info ... etc)).
The pulses that represent the basic T1 signaling (the pulses representing the basic multiplexed information) would be comparable to the pulses seen on a cable carrying Ethernet. Ethernet is a Layer Two protocol (so is Token Ring, so is Arcnet ...etc). The PULSES / signaling carrying the Ethernet frame would be comparable to the pulses / signaling carrying the SDLC/HDLC/Frame-Relay layer two Frame.
T1 is carried over two pair (one Transmit pair, one Receive pair, pins 1&2 and 4&5 on an RJ45). The spec calls for "premises cable," which is individually shielded twisted pairs inside an overall shielded sheath / jacketing. Most T1 CPE (Customer Premises Equipment) is built to tolerate UTP (Cat - Anything), and it will work ... it's just not the spec.
The SmartJack is usually the demarcation point where the Telco's responsibility ends. It is a device that has some surge protection and logic or mechanism to allow the Telco to "loop" for diagnostic purposes (connect the Tx and Rx such that a signal sent to the SmartJack is returned back to the source). Some Telcos will do testing to the CSU/DSU, but they are usually only obligated to test to the Smartjack.
If there is an additional span of cabling from the SmartJack to the CSU, it is considered an "extended demarc" and may or may not be considered for testing (i.e., "loop the CSU and test").
To get back to the original point, do not confuse the term "frame" when discussing the "Super Frame" (SF) or "Extended Super Frame" (ESF). That frame (SF or ESF) is pure layer one as opposed to the Frame used in HDLC / SDLC/ FR/ etc which is the layer two protocol.
Hope that helps ...
FWIW
Scott