In the previous pictures, you had about an equal about of dark rock and white ice/snow. In the latest one, the white ice and snow makes up about 75% of the image. Your built in light meter was 'fooled' into thinking that the image was 'too bright' and needed to be 'stopped down'.

Some cameras have the ability to allow you to frame your picture, hold the shutter button down and then reframe the picture. This allows you to select an area that is about equal in black rocks and shows vs. white snow or ice for exposure purposes, then reframe your picture while holding down the button and finish pushing down on the shutter button.

Alternatively, some cameras allow you to adjust the exposure + or - by from 1/3rd to 2 full stops. When you encounter the kind of image in the latter picture, which should you do? (+1 stop or -1 stop)? Since you want to 'lighten' the image, you were open up one stop '+1' Some cameras allow you to take a series of images each one at a different f-stop. This is called 'bracketing'.

Finally, some point and shoot cameras have adjustment settings for snow or bright beach scenes.

Similar kinds of 'too much white' images occur with surf and sand and while snow skiing.