GetCounterFactualAddressError: getCounterFactualAddress failed

I used exapmle code to test aa-sdk, but it reports the 'GetCounterFactualAddressError: getCounterFactualAddress failed', the code is import { createMultiOwnerModularAccount } from "@alchemy/aa-accounts";
import {
LocalAccountSigner,
createSmartAccountClient,
polygonMumbai,
} from "@alchemy/aa-core";
import { http } from "viem";

async function test() {
const chain = polygonMumbai;
const signer = LocalAccountSigner.mnemonicToAccountSigner(
"xxx"
);
const rpcTransport = http("https://polygon-mumbai.g.alchemy.com/v2/demo");

const account = await createMultiOwnerModularAccount({
transport: rpcTransport,
chain,
signer,
});

const smartAccountClient = createSmartAccountClient({
transport: rpcTransport,
chain,
account: account
});
}

test()

Start by running the supplied TypeScript reproduction with the shown aa-sdk imports and polygonMumbai configuration, then trace where getCounterFactualAddress fails. The issue names no repository file or test; done means the failure is explained and the example can create the smart account client successfully.