Let \( f:\mathbb{R}\to\mathbb{R} \) satisfy the equation \( f(x+y)=f(x)\cdot f(y) \) for all \( x,y\in\mathbb{R} \) and \( f(x)\neq 0 \) for any \( x\in\mathbb{R} \). If the function \( f \) is differentiable at \( x=0 \) and \( f'(0)=3 \), then \( \displaystyle\lim_{h\to 0}\frac{1}{h}\big(f(h)-1\big) \) is equal to: